Down-payment Assistance Program (DAP)

Down-payment Assistance Program (DAP)是面向Cumberland县，North Carolina购房者的可免除贷款。 Cumberland County's Down-payment Assistance Program (DAP) provides up to $7,500 in forgivable second-mortgage assistance for first-time homebuyers purchasing in unincorporated Cumberland County. Funded by HUD HOME and County funds. Forgiven over 5 years if buyer maintains owner-occupancy. Up to $7,500 zero-interest deferred forgivable second mortgage for down payment and closing costs. Forgiven on a pro-rata monthly basis over 5 years if owner-occupancy is maintained. 资金来自HUD HOME Investment Partnerships; Cumberland County。

Down-payment Assistance Program (DAP)在5年后免除，因此住满这段时间的购房者无需偿还。 触发还款的情形：Sale, transfer, or non-owner-occupancy within 5-year affordability period triggers repayment of unforgiven balance. 该援助以2顺位留置权登记。 免除和还款条款由项目设定，并可能变化——申请前请在项目官方网页上确认。

Down-payment Assistance Program (DAP)面向首次购房者和将房屋作为主要住所自住的购房者。 此处的“首次”有例外情况：First-time homebuyer required; 3-year look-back. Displaced homemakers and single parents (HUD definition) exempt. 关于信用，该项目说明：No published minimum; lender underwriting governs. 须参加购房者教育课程，由HUD-approved housing counseling agency; 8-hour homebuyer education course required.提供。 居住要求：Property must be in unincorporated Cumberland County (City of Fayetteville excluded). 公民身份或移民身份：U.S. citizen or qualified alien required. Property must be in unincorporated Cumberland County (excludes City of Fayetteville). First-time homebuyer required (3-year look-back). Buyer must contribute minimum $500 own funds. Maximum debt-to-income 45%.

Down-payment Assistance Program (DAP)将家庭收入限制在地区收入中位数的80%，该数值因县和家庭人数而异。 Household income at or below 80% HUD AMI for Fayetteville, NC MSA, by household size (HUD-published). 该限制适用于家庭总收入，而不仅是借款人的收入。 该项目列出的最大家庭人数为8。 地区收入中位数由HUD公布并每年更新，因此在依据某个数字之前，请查看该县的最新表格。

Down-payment Assistance Program (DAP)的房价上限如下：Sales price capped at the HUD HOME Homeownership Value Limits for Cumberland County. 符合条件的房屋类型包括Single-family detached, townhouse, condominium. 新建房屋符合条件。 预制房屋不符合条件。

Down-payment Assistance Program (DAP)在其服务群体中提到了现役军人、预备役人员和国民警卫队成员、遗属配偶、执法人员、消防员、医护人员和残障购房者。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

Down-payment Assistance Program (DAP)服务于在Cumberland县，North Carolina购房的购房者。

Down-payment Assistance Program (DAP)的申请通过管理该项目的机构办理，该机构在其网站上公布现行条款和申请步骤。 资金通过First-come, first-served via Community Development office.预留。 Hey Prescott不是贷款机构，也不受理申请；本页介绍该项目，方便购房者向贷款机构或住房咨询师咨询。